[crewof5]

Hi Flowergirl,

Thank you so much for all of your advice. I have been keeping phone records since the beginning. That is what is so confusing about all this. When we spoke to Aubrey last week she told us the payment we made on July 9th would be applied to our first trial payment on August1. She told us to call when we received papaerwork which was yesterday.

She told us the missed payment for July would be added to the back of the loan. We were current when we were preapproved on June 11th. Now I am afraid that they will report us late on July, August and Sept. and then again on Oct, Nov and Dec. during the trial. If they don't approve us we are talking thousands we will owe them to "catch up". The reason we are asking for the mod in the first place is two fold, one we have an arm that will reset in 2012 and there is no way we can refinance before then because we are so underwater and second because my husband was out of work for 3 months at the beginning of the year and once he found a job had to take a paycut. So the current payment we have takes half of our bring home pay.

I am also concerned about how this will affect my husband's security clearance, financial problems are the number one reason they deny them. If he loses his clearance he won't have a job.